All mothers certainly want to be able to provide the best for their beloved family, including Nur Epiani. The mother of one child who works as a momfluencer and content creator wants her family's needs to be properly met. But, taking on the responsibility of being the family's finance minister comes with its own set of challenges. Nur often ended up with no money at the end of the month. However, since using Jago Syariah, Nur can more easily and practically manage household finances. In fact, now she can meet the needs of the family as well as the needs of her child and lifestyle.
Jago Syariah Pockets to Manage Household Finances More Easily
To minimize unnecessary spending to ensure she doesn’t end up with no money at the end of the month, Nur tries to allocate her budget according to household needs. The goal is that she can be more disciplined in using money.
"I first list down my monthly expenses. I have a number of needs, including monthly expenses, child's needs and lifestyle. So based on the list, I allocate the budget," Nur shared her tips on managing household finances.
In the past, Nur did not divide her expenses. In other words, the budgets are mixed together. As a result, Nur was overwhelmed and she couldn’t control her expenses. Especially when Nur just became a mother, she felt extremely difficult in managing household finances.
"At that time I was still a new mom so I was a bit overwhelmed in managing finances. I mixed all funds. Because I didn’t manage money according to needs, I ended up being out of control in spending money. From that mistake, I learned to separate expenses so that I can better control my monthly spending. I can also be better at saving money and avoiding unnecessary expenses,” Nur shared her experience.
Apart from separating expenses, Nur also uses Jago Syariah, a financial management solution that adheres to sharia principles and is connected to the power of the digital ecosystem in Indonesia.
“Alhamdulillah, with Jago Syariah I can be more disciplined in using money as needed because of the Pocket feature. I no longer have to worry about managing money because the Pocket feature allows me to separate my needs and money into each Pocket. Managing household finances is easier and more practical, especially since I can create up to 40 Pockets in the application.”
Nur also feels that Jago Syariah has helped her to be more disciplined in saving money.
“I try to manage my finances as best as I can because I also have financial goals to achieve. In the future I want to be able to buy property, buy a vehicle and renovate my mother’s house," Nur explained.
Furthermore, Nur said that she was interested in using Jago Syariah in the first place because Jago Syariah is an application that is owned by a sharia-compliant bank.
"I chose Jago Syariah because it is in accordance with sharia principles and there is no riba. In this way I can manage household finances with peace of mind and of course, more blissfully."
Another consideration for Nur in choosing Jago Syariah was because of its digital ecosystem. The Jago Syariah account can be linked to GoPay to pay for various Gojek services and Bibit for mutual fund investments.
“Jago Syariah also enables me to reduce spending. Apart from not having to pay GoPay top-up fees, Jago Syariah is also free of monthly admin fees regardless of how many Pockets I have," Nur concluded.
Jagoans, want to be jago at managing household finances like Nur Epiani? Try all Jago Syariah's features and take advantage of its digital ecosystem to enjoy various conveniences in managing finances. Jago Syariah can be downloaded here for those who don't have it yet.
